Axis Bank Kwik RuPay Credit Card vs RBL Bank Freedom SuperCard

• Credit Card on UPI
• Get 2 EDGE Reward Points on every Rs. 200 spent on domestic and international transactions
• Get 1% fuel surcharge waiver for fuel spends between Rs. 400 and Rs. 4000
• Zero joining and Annual Fees
• Instantly receive a virtual card  on the Kiwi mobile app after getting approved
• Easily activate the credit card and set up UPI PIN to make UPI transactions

* Convert your available cash limit into a Personal Loan for 3 months at no interest, once a year. A processing fee of 2.5% is applicable; min Rs. 500
* Unlimited interest-free withdrawal of available cash limit from all ATMs in India up to the billing date; maximum period of 50 Days. A processing fee of 2.5% is applicable; min Rs. 500
Please Note: W.e.f January 07, 2021, interest @1.16% per month would be applicable on Emergency Advance Facility on your SuperCard and no processing fee would be charged.

* Avail 2,000 Reward Points as welcome rewards on payment of joining fees and minimum spends of Rs. 2,000 within 30 days of card issuance. Theres no welcome rewards given to First Year Free cards
* Avail 100% of FD amount as credit limit on the card
* Avail 75% of the Credit Limit as Cash Limit on the card
* Earn 1 Reward Point for every Rs. 100 spent on all you like
* Earn 2X Reward Points on all online spends, except for online purchases made on Education, Insurance, Utilities (including Bills2Pay) and Wallet Load. The maximum Cap is 1,000 Reward Points
* Avail fuel surcharge waiver of up to Rs. 100 per month
* Get 1+1 Bookmyshow offer on movie tickets on any 1 Day of the month (up to Rs. 200)
* 4 complimentary visit in a year at domestic airport lounges
* Maximum 1 complimentary airport lounge access in a quarter
* Instantly receive cash and pay back in installments with Dial for Cash program. One can also avail a pre-approved loan without blocking the credit limit of its Card. Get advantage of multiple tenure options
* Avail Split n Pay program and convert purchases of Rs. 3,000 or above into EMIs. Have convenience of paying EMIs at low interest rates at a nominal processing fee
* Use the facility of Transfer n Pay program to transfer outstanding from other bank’s Credit Cards to Freedom SuperCard at lower interest rates and convert it into EMIs
* The Xpress Cash is a unique feature which enables you to get instant loan within your credit limit. Pay it back in easy installments and enjoy a host of benefits like document free process and paperless money transfer
* With Cash Advance program, one can satisfy its short-term cash requirements. Avail credit-free period of up to 50 days as an added benefit
* Contactless Transactions: Tap the card and instantly in a convenient way make payments at retail outlets.
* Purchase Limit: Using the tap & pay feature, make payments of up to Rs. 5000 at a time
* Global Acceptance
* Access the cash at any ATM in India or Overseas which displays MasterCard/Visa/Cirrus/Maestro sign
* The card is equipped with a PIN-based-EMV chip

Pros

• 2 EDGE Reward Points on every Rs. 200 spent on domestic and international transactions
• Zero joining and Annual Fees
• Instantly receive a virtual card  on the Kiwi mobile app after getting approved

Cons

• No movie benefits
• No golf benefits
• No international and domestic lounge access

Pros
* Rewards on all spends
* Annual Rewards worth Rs. 11,500+
* Complimentary Lounge Access

Cons
* No golf benefits
* No airmiles